About Us
Lumo Financial Services Limited is a proudly Zambian financial institution that specializes in providing accessible and affordable financial services to both public and private sector employees. The company was officially incorporated on 10th September 2019 under Companies Registration No. 120190007100, as a limited company by shares. Since its inception, Lumo has been committed to unlocking the potential of individuals by offering tailored loan products that address both immediate needs and long-term financial goals.
At Lumo, we believe that access to finance is a key driver of personal empowerment and national development. Many hardworking Zambians struggle to meet pressing family obligations or to finance small businesses due to limited access to credit. We exist to bridge this gap by providing solutions such as payslip-based loans, collateral-based loans, and salary advances that are flexible, customer-focused, and sustainable.
Our Vision
Our mission is to provide fast, reliable, and affordable financial solutions tailored to the needs of formally employed individuals, empowering them with convenient access to credit that helps.
Our Mission
Our vision is to become the most trusted customer-focused microfinance institution in Zambia, recognized for efficiency, integrity, and a strong commitment to improving the lives of our clients.
Core Values
Our core values are rooted in integrity and transparency, ensuring that every client is treated with fairness and respect. We put our customers first by designing solutions that meet their needs.
Customer Satisfaction
Bringing Life to Your Smile
Fast Loan Processing
We understand that time matters, which is why our loans are processed quickly and disbursed with minimal delays.
Transparent Services
No hidden charges or unclear terms—everything is communicated openly so our clients know exactly what to expect.
Personalized Support
Our team is always ready to guide clients through every step, ensuring they get the right loan option for their needs.
Reliable Assistance
We pride ourselves on being available when our clients need us most, offering dependable financial solutions they can trust.